Accepted in AustraliaPrivate & Secure Virtual Cards
Create virtual Visa cards for online and in-person payments in Australia, the USA and wherever Visa is accepted. Keep your transaction history private & personal data protected with Halocard.
USD Virtual Cards
Trusted by 1,000+ users
Accepted at 175M merchants worldwide
Already have an Australian bank card? Here's why you need Halocard
Real Visa credit cards issued from the USA
Australian debit cards are frequently declined by US merchants due to foreign BIN detection and fraud filters. With Halocard you create virtual credit cards directly on the US Visa network — processed as domestic US transactions.
More virtual cards for every purchase
Create dedicated cards for SaaS subscriptions, online shopping, and advertising spend. Isolate costs and prevent billing surprises.
Nominate a US billing address
Nominate a US billing address (or any custom address worldwide) on any card, essential for accessing US-only services like Amazon US, Hulu, HBO Max, and more.
Private purchases separate from your bank
Halocard doesn't connect to your Australian bank via direct debit or Open Banking. Your spending never appears on your CommBank, ANZ, or Westpac statement.
“I kept getting declined trying to pay for US SaaS tools with my Aussie debit card. Halocard gave me a US Visa credit card in minutes — no more declines, no more FX surprises.”
Liam K.
Digital Marketer, Sydney
Why do Australian cards often decline at US merchants?
Cross-border payment approval rates drop to just 50–60% when Australian cards are used at US merchants. Fraud filters flag foreign BINs, and address verification systems reject non-US billing addresses. Halocard solves this with US-issued Visa credit cards that process as domestic transactions.
50–60%
Approval rate for cross-border transactions. Domestic Australian transactions approve at around 95%.
3.8%
Average decline rate for credit cards. US-issued credit cards have higher acceptance and avoid cross-border friction.
3 steps to create your virtual credit card
1. Sign-up with a phone
Sign up from your browser. No app download needed.
2. Quick identity check
Verify you're a real person in less than 3 minutes. No US residency required.
3. Add funds to your account
Use stablecoins, debit/credit card or ACH/SWIFT bank transfer (coming soon).
Your virtual card is ready.
That's it! Your virtual cards can now be used for online and in-person purchases anywhere in the world where Visa is accepted.
Why Australian users love Halocard for virtual cards
Virtual cards ready for Apple Pay & Google Pay
Add your virtual cards to Apple Pay or Google Pay. Tap to pay anywhere contactless is accepted in Australia, the US, or anywhere in the world. Halocard works alongside your existing Australian cards in the same wallet.
Zero FX on USD purchases
Pay with USD virtual cards at US merchants with no foreign exchange fees. Compare that to the 3–4% FX markup at CommBank, ANZ, or Westpac.
Virtual USD account included (coming soon)
A virtual USD account for ACH transfers and direct deposits, powered by SSB, Member FDIC. Send funds to your account and they're ready to spend via your virtual cards once settled.
Custom card controls
Set per-transaction, daily, and monthly limits, customise billing addresses, and instantly lock or cancel any card to prevent unwanted charges.
Privacy-first, always
Shield your real account details and personal information when shopping online from Australia. We will never sell your data to advertisers, data brokers, or any third party.
Made with ❤️ to provide the virtual card experience you deserve
Instant funding
Top-up with stablecoins, card payments and US/Global bank transfers (coming soon).
Instant card creation
Virtual cards ready to spend in seconds for your purchases and subscriptions.
Freeze on demand
Lock any card instantly or cancel it permanently if something feels wrong.
Custom billing address
Nominate a custom billing address in the US or anywhere in the world, for every Halocard.
3D-Secure Authentication
Visa 3D-Secure is supported whenever a merchant requests it to prevent fraud.
No apps to download
Your Halocards are accessible from your phone or desktop with no app download required.
How Halocard compares to Australian virtual card providers
Feature
Halocard
Wise
Airwallex
Card type
Availability
Spending limit
Account funding
New virtual cards every month
ID verification required
Acceptance at US merchants
Apple & Google Pay support
Custom billing address
Private purchases
Comparison reflects publicly available information as of May 2026. Competitor details subject to change.
Choose a plan and create your first card in under 5 minutes
Essential
$12/mo
or $120 per year (Save $24)
Unlimited spend
Custom card controls
Apple Pay & Google Pay
Virtual USD account (coming soon)
0% fee on USD purchases
1.5% FX fee on non-USD purchases
Chat, Email & Phone Support
Elite
$59/mo
or $590 per year (Save $118)
Everything in Pro
Priority support (2 hour SLA)
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